Am confused by exactly do they cover here as far as the DCT goes? Looks like they cover the DCT but not the clutch is it even worth getting the warranty if it doesn't cover the DCT clutch? Not sure what goes wrong on the DCT if at all? Does the gold cove the DCT 100%?

If you are referring to BMWNA's Powertrain Plus (some of the third party sellers - including Fidelity - also refer to their packages as Powertrain or Powertrain Plus), then M-DCT is explicitly covered except for the internal clutch assemblies in BMWNA's Powertrain Plus package. Go here and download the brochure;